Systems and methods for account management using interrupt messaging

ABSTRACT

Disclosed are systems and methods which provide techniques providing account setup, management and transaction authorization determinations in real-time using transaction interrupt messaging. Embodiments preferably take into consideration the quality of one or more parties to the transaction and the means by which charges may be rendered to them when making account setup, management, and/or transaction authorization determinations. Accordingly, transactions, such as collect calls, meeting at least some minimal risk threshold may be completed on a first call attempt, even where a pre-arranged billing agreement or other business relationship is not previously in place.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation-in-part of co-pending U.S. patentapplication Ser. No. 10/360,248 titled “SYSTEMS AND METHODS FOR ACCOUNTESTABLISHMENT AND TRANSACTION MANAGEMENT USING INTERRUPT MESSAGING”filed Feb. 7, 2003, the disclosure of which is hereby incorporatedherein by reference.

The present application is also related to co-pending and commonlyassigned U.S. patent application Ser. No. 10/360,442 titled “Systems andMethods for Transaction Authorization Determination,” filed Feb. 7,2003, Ser. No. 10/135,883 entitled “Optimizing Profitability in BusinessTransactions,” filed Apr. 29, 2002, and Ser. No. 10/135,878 entitled“Information Management and Movement System and Method,” filed Apr. 29,2002, the disclosures of which are hereby incorporated herein byreference.

The present application is also related to commonly assigned U.S. Pat.Nos. 6,836,540 entitled “System and Methods for Offering a Service to aParty Associated with a Blocked Call,” which issued from an applicationfiled Jul. 3, 2002, and 6,639,978 entitled “Method for Determining anEntity Responsible for Billing a Called Party,” which issued from anapplication filed Dec. 17, 2001, the disclosures of which are herebyincorporated herein by reference.

TECHNICAL FIELD

The invention relates generally to interrupt messaging and, moreparticularly, to techniques for using an interrupt message to interrupttransactions, such as telephony calls and/or commerce transactions, formanagement of an account for payment for the transactions.

BACKGROUND OF THE INVENTION

The generation of revenue and profit is the driving force behind mostbusiness models. To supplement the cash purchasing methods in today'scredit-based society, most businesses depend on some form of credit orentitlement authorization mechanism allowing for customers to purchaseproducts, services, or other such items without the immediate physicalexchange of cash. Inherent in such business models is the reality that apercentage of parties who purchase on credit or entitlementauthorizations may eventually not pay, thus diminishing the business'overall profitability.

In order to balance the risk of such losses against the benefits ofmaintaining credit entitlement systems, businesses go to great lengthsin making credit worthiness or other transactionauthorization/verification determinations (collectively referred toherein as “transaction authorization determinations”), such as requiringlengthy applications including a wealth of personal information,accessing databases storing information about the potential borrower,and the like. This process is typically relatively slow and often-timesresults in a poor transaction authorization determination. For example,in order to minimize losses associated with poor credit risks, atransaction authorization determination implemented according to manybusiness models may error on the conservative side, thereby foregoing atransaction having a collectable debt situation associated therewithbecause of a lack of information or insufficient analysis of decisioncriteria.

One example of a business model that requires not only that there be atransaction authorization determination made, but that such transactionauthorization determinations be made very quickly, is thetelecommunication provider industry. Of particular interest in suchtelecommunication provider transaction authorization determinations arethe determinations made with respect to services provided in associationwith areas of relatively high volume reverse-charged and/orthird-party-charged calls (referred to collectively herein as “collectcalls”), where such calls tend to be associated with individuals orentities of dubious credit merit.

Telecommunication services provided with respect tocontrolled-environment facilities, such as prisons, is one such area ofrelatively high volume collect calls where the credit worthiness of theindividuals involved is suspect. Prisoners are generally given some formof access to telephones, but the calls must be paid for. However,prisoners, in general, do not have ready access to cash; therefore,calls are typically made collect. As with other credit/authorizationsystems, some of the collect calls may never be paid for by theresponsible parties, i.e., the called parties or indicated thirdparties. In such circumstances, the telecommunication service providerfails to recover the costs of providing the call, which, in turn, causesa loss of profitability.

Bad debt losses may sometimes reach into the tens of millions of dollarsfor each telecommunication service provider with the industry total wellover $1 billion. To address the risk of loss on some of the attemptedcalls, telecommunication service providers sometimes obtain informationand/or store information with respect to the called parties in order toprovide call verification/authorization.

For example, when an inmate at a particular correctional facilityattempts to make a collect call, the call or transaction request may gothrough a validation process. The telecommunication service provider mayaccess its own customer database and/or an external database, such as aline information database (LIDB), to determine (1) can this call bebilled (i.e., is there a billing arrangement with the local exchangecarrier (LEC) or the called party), (2) if the destination number isalready in the service provider's files, has the allotted credit limitbeen reached, and (3) has there been any information received from theLEC indicating that the called party has not been paying its bills.Depending on the extensiveness of the service provider's internalresources, the service provider may not be able to determine all threeof these validation criteria. If favorable information is retrieved foreach of the available validation criteria, the call may be completed.Conversely, if the inmate attempts to call a destination number that isnot already on the customer database, or negative information isretrieved from the validation process, the service provider typicallyblocks the call from being completed.

While the above-mentioned blocked calls save the telecommunicationprovider from losses for unpaid calls, some of those blocked callsrepresent lost potential revenue and profit that the provider would havegenerated. Most solutions that have been used to address this problemhave been post the first transaction. That is, when there is atelecommunications demand to a telephone number that is blocked, anymechanisms to try to obtain revenue instead of blocking futuretransactions, such as a customer service representative placing a callto the blocked number in an attempt to establish a businessrelationship, are implemented after the transaction has been blocked.

Accordingly, a need exists in the art for the making of reliabletransaction authorization determinations which do not unnecessarilyblock transactions. Moreover, a need exists for such reliabletransaction authorization determinations to be made rapidly, such asduring real-time processing of a transaction.

SUMMARY OF THE INVENTION

The present invention is directed to systems and methods which providetechniques using interrupt messaging for account management. The term“account” is used generally herein to refer to any billing arrangementor business relationship by which a payor (or “customer”) pays for atransaction provided by a host. In certain arrangements, an actual,funded monetary account need not exist, but instead some other billingarrangement may be employed, which is still referred to generally hereinas an “account”. For example, a telephony host may permit a collect callto be made to a called party, in which case the called party isconsidered as having an “account” of a collect-call type with the host,even though an actual monetary account is not established between thehost and the called party. As another example, in some instances a payormay have a “funded” monetary account established with a host againstwhich the host may debit bills for transactions that it hosts. Inaccordance with embodiments of the present invention, the interruptmessaging may be used for performing account setup, management, andtransaction authorization determinations in real-time taking intoconsideration the quality of one or more parties to the transaction(i.e., the customer, which may include a called party, a calling party,or both in a telephony transaction) and the means by which charges maybe rendered to them.

Preferred embodiments of the present invention implement transactioninterrupt techniques, wherein a call or other transaction may besuspended, blocked, prefaced, and/or followed by messaging and/orinteraction (e.g., via interactive voice response (IVR) and/or customerservice representative), for establishing and maintaining accounts orother customer information and providing transaction authorizationdeterminations. Such transaction interrupts may be implemented for anumber of reasons and at various points in a transaction according tothe present invention, such as for any reason to interact with a partyto the transaction, to influence a party's behavior, to provide customercare, to establish customer accounts, to manage existing customers,etcetera.

The interrupt messaging techniques provided herein are particularlysuited for use in a controlled-environment facility. That is,embodiments of the present invention are particularly useful withrespect to interrupting transactions and managing accounts associatedwith controlled-environment facilities, such as correctional facilities(e.g., municipal jails, county jails, state prisons, federal prisons,military stockades, juvenile facilities, and detention camps),hospitals, mental institutions, nursing homes, hotels, resorts, camps,and the like. Certain controlled-environment facilities may be thoughtof as a small community or city, perhaps walled or otherwise accessrestricted, wherein various activities occur within the community andbetween the community and those outside the community in the dailyoperation thereof. Such a community includes a number of individuals andenterprises directly associated therewith, including management, staff,and inmates, residents, patients, or guests (herein referred to as“residents”), and a number of individuals and enterprises indirectlyassociated therewith, including friends and family of residents,vendors, government agencies, providers of services to residents, andindividuals with a connection to the facility or its residents.Transactions are often conducted by, between, among, and on behalf ofthe aforementioned individuals and enterprises in performing theaforementioned daily activities. Such transactions may include placingtelephone calls and/or purchasing consumer goods (e.g., commissaryitems), as examples. Further, account management may be desired formanaging an account for payment for such transactions, and the interruptmessaging techniques described herein may be used for managing anaccount (e.g., establishing an account, funding an existing account,and/or communicating information regarding an established account or anavailable alternative account, etc.).

According to embodiments of the present invention, interrupt messagingmay be employed not only for a first transaction, such as an initialtransaction of a resident of a controlled-environment facility, but alsofor later transactions. For instance, if a new resident of acontrolled-environment facility attempts to conduct a transaction,interrupt messaging may be employed to establish an account for the newresident for payment of the attempted and/or future transactions. Inaccordance with certain embodiments, the attempted transaction that isnot authorized (e.g., because the new resident does not yet have anestablished account for payment) may be permitted for a thresholdduration of time before the interrupt messaging is invoked to interruptthe transaction. For example, a new inmate of a prison facility may bepermitted to complete a telephone call to a relative, which is notauthorized because the inmate does not yet have an established accountfor payment for the call). In this way, the inmate may be able to informthe relative of his incarceration before the interrupt messaginginterrupts the call and provides the relative instructions and/or anopportunity to establish an account for payment for continuing the calland/or for future calls. Of course, the interrupt messaging may beemployed to inform the resident and/or the called relative that the callis being permitted (e.g., as a courtesy) for a threshold duration onlyand that instructions for continuing the call and/or making future callswill follow at the end of the threshold duration, wherein a secondinterrupt message is used at the end of the threshold duration toinstruct one or both of the parties as to how to establish an accountfor payment for continuing this transaction and/or conducting futuretransactions.

Further, interrupt messaging may be employed even after an account hasbeen established for a resident of a controlled-environment facility.For instance, interrupt messaging may be employed to inform a residentand/or payor of the balance of an established account and/or provide anopportunity to fund the account. Further, in certain embodiments, if theaccount balance is too low to support a transaction, the transaction(which is unauthorized because the account balance is too low) may bepermitted for a threshold duration of time, and interrupt messaging isthen invoked to interrupt the transaction and instruct one or more ofthe parties as to how to fund the account in order to continue thetransaction and/or conduct future transactions.

As a further example, interrupt messaging may be employed to notify oneor more of the parties of promotions, alternative account options thatmay be available to the parties, and/or other information. For instance,a resident of a controlled-environment facility may be permitted toplace a collect call to a relative, and interrupt messaging may be usedto inform the resident and/or the called relative that a prepaid accountmay be established for payment for future calls, wherein a discount forfuture transactions may be offered if the prepaid account isestablished.

According to one embodiment, a method comprises identifying initiationof a transaction by a resident of a controlled-environment facility. Themethod further comprises interrupting the transaction for interactionwith at least one of the resident and a payor for the transaction. Theinteraction conducted during the interrupt may comprise at least one ofestablishing an account for payment for the transaction and funding anestablished account.

According to another embodiment, a method comprises establishing anaccount for a resident of a controlled-environment facility. The methodfurther comprises identifying initiation of a transaction by theresident, and determining whether to interrupt the transaction. Incertain implementations, determining whether to interrupt thetransaction may be based at least in part on information about theestablished account, such as based on the following: the type of theaccount (e.g., whether it is a prepaid account, etc.), whether analternative account is available, and/or the balance in the account.When determined to interrupt the transaction, the method furthercomprises interrupting the transaction and interacting with at least oneof the resident and another party. The interacting may comprise at leastone of the following: providing information to at least one of theresident and the another party, requesting at least one of the residentand the another party to fund the account for the resident, andproviding to at least one of the resident and the another party anoption to establish an alternative account for the resident.

According to another embodiment, a method comprises establishing abusiness relationship between a host and a payor. Such businessrelationship may be a prepaid account funded by the payor forgoods/services provided by the host (e.g., to a resident of acontrolled-environment facility). The method further comprisesidentifying initiation of a transaction by a resident of acontrolled-environment facility, wherein the transaction is hosted bythe host. The method further comprises determining whether to interruptthe transaction, and when determined to interrupt the transaction,interrupting the transaction and interacting with at least one of theresident and the payor. The interacting may comprise providing to atleast one of the resident and the payor an option to establish analternative account for the resident.

According to another embodiment, a system comprises a transactionprocessor communicatively coupled with at least one of a resident of acontrolled-environment facility and a payor, wherein the residentinitiates a desired transaction via the transaction processor. Thesystem further comprises a transaction validation engine for interactionwith the transaction processor in response to initiation of the desiredtransaction. The transaction validation engine comprises an accountmaintenance system for maintaining a business relationship between ahost to the transaction and the payor when a current status indicatesthe business relationship needs maintenance. For instance, thetransaction processor can interrupt the desired transaction when thetransaction validation engine determines that the account maintenance isneeded.

According to yet another embodiment, a method comprises identifyinginitiation of a transaction between a resident of acontrolled-environment facility and another party, and determiningwhether the transaction is authorized. When determined that thetransaction is not authorized, the method further comprises permittingthe transaction for a threshold duration of time, and interrupting thetransaction for interaction with at least one of the resident and theanother party.

As described further herein, embodiments of the present invention aredirected to systems and methods which provide techniques providingaccount setup, management, and transaction authorization determinationsin real-time taking into consideration the quality of one or moreparties to the transaction (i.e., the customer, which may include thecalled party, the calling party, or both) and the means by which chargesmay be rendered to them. According to preferred embodiments, there arenumber of ways that charges may be rendered to a party to a transaction,such as on a prepaid basis, through an existing business relationship,or through direct billing. Each one of these charge renderingalternatives may have different bad debt risks associated therewith andtargeted populations to which they are directed. Embodiments of thepresent invention have the ability to understand the quality of a partyto the transaction, make determinations with respect to charge renderingalternatives available with respect to the party (e.g., whether or not avalid billing address is available), and evaluate which charge renderingalternative to implement with respect to the party (e.g., whether aprepaid or a post paid product is to be implemented), all in real-time.

Transaction authorization determinations are made according toembodiments of the present invention using a hierarchy of decisioncriteria, to facilitate conducting transactions which might otherwise beblocked or prevented. According to embodiments of the present invention,a real-time decision tree is implemented with respect to the hierarchyof decision criteria to allow transactions, such as collect calls,commissary based transactions, etcetera, meeting at least some minimalrisk threshold to be completed on a first attempt, even where apre-arranged billing agreement or other business relationship is not inplace.

An embodiment of the present invention provides a hierarchy of decisioncriteria in which a primary transaction authorization determination ismade, followed by one or more transaction authorization determinationsif the primary transaction authorization determination is negative. Forexample, collect calls being placed to a dialed number associated with acompetitive local exchange carrier (CLEC) or other entity having nobilling agreement with a telecommunication service provider initiatingthe call may result in a negative determination being made by a primarytransaction authorization determination. However, such collect calls maybe authorized by implementation of a secondary transaction authorizationdetermination of an embodiment of the present invention, provided thecalled number otherwise meets some threshold risk assessment. Chargesassociated with such calls may be billed using a direct bill from thetelecommunication service provider to the called party, with theconfidence that the called party meets a target credit risk threshold.

According to embodiments of the present invention, a transaction may becompleted, or partially completed, even where a primary and/or asecondary transaction authorization determination result in a negativedetermination, such as in an attempt to demonstrate a need for theoffered transaction and/or to facilitate a business relationshipsuitable for conducting further transactions in the future. For example,collect calls being placed to a dialed number associated with a CLEC orother entity having no billing agreement with a telecommunicationservice provider initiating the call and for which the called party doesnot meet a desired threshold of risk may result in a negativedetermination being made by a primary and secondary transactionauthorization determination. However, such calls may be completed or amessage delivered from a caller, whether at no charge or charged asoriginally attempted, for a controlled amount of time to allowcommunication between the called and calling parties and therebyestablish the need for additional calling services. The called party insuch a situation may be solicited to establish a business relationship,such as by creating a pre-paid account, with the telecommunicationservice provider initiating the call. Subsequent calls to the calledparty and/or by the calling party may be permitted according to theaforementioned business relationship. Again, the interrupt messagetechniques described herein may be employed for an initial transaction(e.g., an initial transaction initiated by a new resident of acontrolled-environment facility) and/or may be employed for a latertransaction.

According to certain embodiments, the account management system maydynamically switch a party from one type of account to another type ofaccount. For instance, friends and family members of a prisoner whichhave direct billing or LEC billing types for calls with the prisoner maybe switched to pre-pay billing in real-time. For instance, if funds areadded to a prepaid account for a prisoner, the account management systemmay dynamically change the account type for the prisoner from LEC/Directbilling to prepaid. The account type may then remain prepaid for as longas prepaid funds are available in the pre-established prepaid account.When the prepaid funds are depleted, the account management system maydynamically change the account type for the prisoner back to theoriginal account type (e.g., direct billing or LEC billing). If a callis in progress and the prepaid funds are depleted (i.e., the prepaidaccount balance reaches $0), the account management system may enablethe call to continue and apply the charges incurred after the depletionof the prepaid account to the original account type (e.g., direct billor LEC bill). Of course, the interrupt messaging techniques describedherein may be employed to inform the called and/or calling parties ofthe depletion of the prepaid account, and the parties may be provided anopportunity to fund the prepaid account if so desired.

Customer quality and scoring criteria may be considered by the accountmanagement system in dynamically deciding when to change the accounttype to employ for a prisoner (e.g., whether to require prepaid, orwhether to permit direct billing, LEC billing, or some other accounttype). However, if a customer (e.g., a called party) has a score thatqualifies for an account type other than prepaid, such customer may bepermitted to conduct a call with a prisoner via the account type forwhich he qualifies if a prepaid account is depleted. That is, in certainembodiments, if a prepaid account is established for a prisoner, theprepaid account is used for payment for calls even with parties whoqualify for another type of account, but if the prepaid account isdepleted, the call with such a qualifying party may be permitted by theaccount management system to continue with charges being billed viaanother type of account for which the party qualifies (e.g., directbilling, LEC billing, etc.).

In certain embodiments, interrupt messaging may be employed to offer theparties an option of which accounts to employ for services renderedduring a given transaction. For instance, if a prisoner has a prepaidaccount established and calls a party having a score that qualifies thecalled party for another type of account (e.g., direct billing), theaccount management system may generate an interrupt message to offer theprisoner or the called party an option of whether to utilize the prepaidaccount or another type of account for which the party qualifies. Thesystem may offer a discounted rate for utilization of the prepaidaccount, which may encourage the called party to utilize the prepaidaccount first, and once the prepaid account is depleted the chargesincurred thereafter, if any, may be charged to the other type of accountfor which the called party qualifies (e.g., direct billing).

The foregoing has outlined rather broadly the features and technicaladvantages of the present invention in order that the detaileddescription of the invention that follows may be better understood.Additional features and advantages of the invention will be describedhereinafter which form the subject of the claims of the invention. Itshould be appreciated by those skilled in the art that the conceptionand specific embodiment disclosed may be readily utilized as a basis formodifying or designing other structures for carrying out the samepurposes of the present invention. It should also be realized by thoseskilled in the art that such equivalent constructions do not depart fromthe spirit and scope of the invention as set forth in the appendedclaims. The novel features which are believed to be characteristic ofthe invention, both as to its organization and method of operation,together with further objects and advantages will be better understoodfrom the following description when considered in connection with theaccompanying figures. It is to be expressly understood, however, thateach of the figures is provided for the purpose of illustration anddescription only and is not intended as a definition of the limits ofthe present invention.

BRIEF DESCRIPTION OF THE DRAWING

For a more complete understanding of the present invention, reference isnow made to the following descriptions taken in conjunction with theaccompanying drawing, in which:

FIG. 1 shows a diagram illustrating call attempts as may be experiencedin a day in association with a particular facility;

FIG. 2 shows a block diagram of a transaction system adapted accordingto a preferred embodiment of the present invention;

FIGS. 3A and 3B show a flow diagram of operation of the transactionsystem of FIG. 2 according to a preferred embodiment of the presentinvention;

FIG. 4 shows a block diagram of operation of a transaction systemadapted according to an embodiment of the present invention;

FIG. 5 shows an exemplary block diagram of a system according to oneembodiment of the present invention; and

FIG. 6 shows an exemplary operational flow diagram of one embodiment ofthe present invention.

DETAILED DESCRIPTION OF THE INVENTION

Various filters or decision criteria may be implemented with respect tomaking a transaction authorization determination. For example, filtercriteria that may be utilized in making a transaction authorizationdetermination with respect to a call attempt is a line informationdatabase (LIDB) query providing responsive information with respect to adialed or destination telephone number. LIDB is a federally-manageddatabase local exchange carriers (LECs) populate with a variety of data,such as telecommunication service provider, service profile, name andaddress, and credit card validation information. It should be noted thatfor purposes of this disclosure, LEC is intended to include not onlylocal exchange carriers, but also CLECs, inter-exchange carriers (IXCs),and the like.

According to a typical scenario, a LIDB query response may be translatedinto an affirmative or negative result, such that a negative LIDBresponse results in completion of the call being prevented. However, theLIDB response alone, may not always provide an accurate indication withrespect to the collectability of telecommunication debt.

There may be any number of reasons that a LIDB response is negative withrespect to a call attempt. For example, the dialed number may not be alegitimate telephone number, such that the LIDB query cannot identifyuseful data records associated therewith. The dialed number may beassociated with a number for which collect calling services are nottypically allowed by a telecommunication service provider, such as cellphones, pagers, or other numbers a LEC has implemented specificrestrictions with respect to the telephone line. For example, telephonelines with only basic services are often installed in the inner city orother areas, primarily for safety reasons, which do not provide for longdistance and collect calling.

Another of the filter criteria that may be utilized in making atransaction authorization determination with respect to a call attemptis whether or not a billing agreement or other business arrangement isavailable between telecommunications service providers, such as thetelecommunication service provider associated with the calling party andthe telecommunication service provider associated with the called party.This type of transaction authorization filter criteria may be referredto as an operating company number (OCN) deny, and are often associatedwith a CLEC. For example, in providing collect calls, the serviceprovider typically sends the collect call bill to the LEC that servicesthe called number for collection. LECs, such as Southwestern Bell,Verizon, BellSouth, Ameritech, and the like generally maintain accuratebilling, name, and address (BNA) information, and may be authorized tobill third-party-provided telecommunication services if billingarrangements exist. However, CLECs often provide local service withoutextending billing agreements to anyone for any reason outside of theirown services. Accordingly, when a collect call is attempted to acustomer of such a CLEC, the call may be prevented from being completedbecause the telecommunication service provider initiating the call isunable to bill to the CLEC.

Yet another of the filter criteria that may be utilized in making atransaction authorization determination with respect to a call attemptis relationship history. For example, based upon previous callingtransactions, information may be available to the telecommunicationsservice provider initiating the call useful in making a transactionauthorization determination with respect to the called party. Suchinformation may be that a previous call attempt has been blocked withrespect to the called number because of some abnormal activity (e.g.,detection of fraudulent calling attempts or invoking unallowed servicessuch as three-way calling or remote call forwarding), the called numberis experiencing an unusually high velocity of collect calls, a creditlimit or ceiling has been reached with respect to the called party,etcetera. Historical information may be analyzed not only with respectto a called party, but information with respect to a calling party maybe utilized as filter criteria. For example, even where a calling partystation is shared, unique identifiers such as personal identificationnumbers (PINs) and/or bio-signatures (e.g., voice prints, finger printvectors, iris scan vectors, and the like) may be used to identify acalling party. The calling party information may be used to reference adatabase for historical information with respect to that party and/ortransactions conducted thereby. For example, although a current calledparty meets other filter criteria, the calling party may have a historyof uncollectable transactions associated therewith, thereby suggestingthat a current call attempt should be declined.

Traditionally, call processing systems have blocked a call attempt ifany of the transaction authorization determination filter criteria, suchas those set forth above, resulted in a negative determination. That is,the call attempt would be analyzed according to the pre-establishedfilter criteria and, if any aspect of the call analyzed did not meet thefilter criteria the call would not be completed and further processingwith respect to that call attempt stopped.

Experience has shown, however, that in some situations, such as wherecalling services are provided with respect to a prison facility, verylarge numbers of calls (and thus sources of revenue) may be blocked bymore traditional filter criteria. For example, on the order of 30-50% ofunique called telephone numbers might be denied service at a singlefacility.

Accordingly, embodiments of the present invention provide for furtherprocessing of transactions, such as by implementing transactioninterrupt techniques, to facilitate completion of transactions evenwhere filter criteria otherwise provides negative indications withrespect to the transaction. Such transaction interrupts may be utilizedaccording to the present invention to analyze customers and their needs,to target appropriate products (e.g., calling and account services) tothe customers, to demonstrate a need for services, to establish anappropriate business relationship with customers, to maintain and managecustomer business relationships (perhaps altering the businessrelationship when particular situations or activities are detected), andthe like.

The systems and methods of the above referenced patent applicationsentitled “Optimizing Profitability in Business Transactions” and “Systemand Methods for Offering a Service to a Party Associated with a BlockedCall” provide further processing with respect to a call attempt whichdoes not otherwise meet one or more filter criteria. Specifically, thesystems and methods disclosed therein provide for further processingwith respect to a call attempt to thereby contact a called party forwhich a call attempt has been blocked in an attempt to establish abusiness relationship therewith. For example, a telecommunicationsservice provider which has blocked a call, such as one having beenplaced from an inmate at a prison facility to a friend or family memberoutside of the prison facility, may call the number dialed by thecalling party, stating that a call attempt has been blocked from aparticular location and ask that a pre-paid account be established, thatbilling information be provided, that credit card information be given,and/or the like in order for the called party to receive such calls inthe future.

Embodiments of the present invention provide further processing withrespect to a call attempt which does not otherwise meet one or morefilter criteria by providing transaction authorization determinations inreal-time which take into consideration the quality of one or moreparties to the transaction (i.e., the customer, which may include thecalled party, the calling party, or both) and the means by which chargesmay be rendered to them. Preferably, transaction interrupt techniques,wherein a call or other transaction may be suspended, blocked, prefaced,and/or followed by messaging and/or interaction (e.g., via IVR and/orcustomer service representative), are implemented with respect toestablishing and maintaining accounts or other customer information andproviding transaction authorization determinations.

Preferred embodiments of the invention make transaction authorizationdeterminations using a hierarchy of decision criteria, to facilitateconducting transactions which might otherwise be blocked or prevented.For example, a real-time decision tree may be implemented with respectto a hierarchy of decision criteria to allow transactions, such ascollect calls, meeting at least some minimal risk threshold to becompleted on a first call attempt, even where a pre-arranged billingagreement or other business relationship is not in place. As anotherexample, such decision tree may be utilized to allow transactions to becompleted when a pre-established billing agreement (i.e., an account) isin place, but is in need of funding or other maintenance and/or adifferent billing arrangement is now desired or required (e.g., based onthe customer's “quality” score, etc.). For instance, over time acustomer's score may increase or decrease, and as a result, differentbilling arrangements may become available or be required. For example,as a customer's quality score improves, he may qualify for a differenttype of account (e.g., a different billing arrangement) and/or differentbilling rates for the transactions. Similarly, as the customer's qualityscore worsens, he may be required to establish a different type ofaccount (e.g., a prepaid account may be required).

Quality determinations with respect to parties to a transaction may bemade in a number of ways according to the present invention. Forexample, parties may be rated on a scale of 10, referred to herein asdeciles with decile zero being the highest quality customer (low baddebt risk) and decile 9 being the lowest quality customer (higher baddebt risk), based upon various information which may be collected aboutthe party, the location of the party, the historical transactionpatterns of the party, etcetera.

For example, a quality metric with respect to a called party may bederived from information with respect the called party's LEC paymenthistory, the location of the called party, the length of time the calledparty has had service, the features of the called party's service, thefrequency of calls received from a facility or facilities, etcetera. Aquality metric with respect to a calling party may be derived frominformation with respect to the length of time the calling party hasstayed or is to stay at a facility from which the call is placed, thebehavior or activity of the calling party at the facility from which thecall is placed, the calling party's historical call activity such as mayinclude frequency of calls, quality of called parties called by thecalling party, the criminal or other history of the calling party,etcetera. Details with respect to implementing customer quality analysisand determination systems and methods are shown and described in theabove referenced patent application entitled “Optimizing Profitabilityin Business Transactions.” The techniques disclosed therein are utilizedaccording to preferred embodiments of the present invention in analyzingand making determinations with respect to quality of a party to atransaction. Details with respect to information associated with acalling party as may be utilized in deriving a quality metric accordingto embodiments of the present invention are shown and described in theabove referenced patent application entitled “Information Management andMovement System and Method.”

Of course, the quality rating of a customer may change over time, andthus a new billing arrangement may be made available or be required forcustomer. Interrupt messaging may be used, in accordance withembodiments of the present invention, to interact with a customer fornotifying the customer of a new billing arrangement (i.e., account) thatis available or required, and/or for establishing such a new billingarrangement.

Experience has shown that, when implementing a customer quality decilerating technique according to a preferred embodiment, in most cases thedistribution of call demand is substantially equally distributed. Thatis, approximately 10% of call demand falls within each decile. Moreover,analysis has revealed that, in those situations for which blocked callshave been further analyzed in development of the present invention, alarge number of calls associated with a party to the transaction havinga high customer quality rating were being blocked using filter criteriaas described above. Accordingly, revenue opportunities have beenrecognized and addressed with respect to relatively high qualitycustomers as well as relatively low quality customers which otherwisefail one or more filter criteria according to embodiments of the presentinvention.

Directing attention to FIG. 1, a diagram showing an example of callattempts as may be experienced in a day in association with a prisonfacility are shown. Specifically, box 100 represents the total number ofcall attempts in a day from a particular facility, wherein thehorizontal axis represents a number or quantity of call attempts (itbeing appreciated that the illustrated hash marks are exemplary and notintended to represent any particular number or percentage of callattempts) and the vertical axis represents the quality decile associatedwith each particular call attempt. Area 110 represents those callattempts that meet primary call authorization determination filtercriteria and, therefore, may be completed according to typical callprocessing implementations. Areas 120, 130, and 140 represent those callattempts that fail one or more filter criteria and, therefore, may beblocked according to more typical call processing implementations.

For example, area 120 may be associated with call attempts which,although a party thereto meets desired customer quality criteria and forwhich valid BNA information is available, the telecommunication serviceprovider associated with the called party does not have a billingagreement in place with the telecommunication service providerassociated with the calling party. Area 130 may be associated with callattempts which, although a party thereto meets desired customer qualitycriteria, the telecommunication service provider associated with thecalled party does not have a billing agreement in place with thetelecommunication service provider associated with the calling party andno valid BNA information is available. Line 101, associated with decile5 in the illustration, represents a filter criteria of a primary callauthorization determination, such that if the customer qualityassociated with a party to the call is below this line (having a higherdecile), the primary call authorization determination would result in anegative determination. Accordingly, area 140 may be associated withcall attempts which, irrespective of any agreement in place between thetelecommunication service provider associated with the called party andthe telecommunication service provider associated with the calling partyand/or the availability of BNA information, no party thereto meetsdesired customer quality criteria. As can be seen in FIG. 1, areas 120,130, and 140 represent an appreciable amount of call attempts that,according to more typical call processing techniques, would be blockedand, therefore, the revenue associated therewith foregone.

In addressing the various reasons for a call attempt failing a primarycall authorization determination, embodiments of the present inventionprovide a bifurcated or decision branching approach to furtherprocessing of transaction attempts. Because the transaction closing ratewith respect to the aforementioned technique of post transaction blockedcall processing, wherein a number for which a call attempt has beenblocked is contacted for an opportunity to establish a businessrelationship, is often times disappointingly low, embodiments of thepresent invention present alternatives implemented in real-time when atransaction attempt results in a negative primary transactionauthorization determination.

Accordingly, embodiments of the present invention will preferablyinitially make a determination as to whether a transaction attempt meetsprimary filter criteria, such as criteria for allowing a collect call tobe billed through the called party's LEC (e.g., the call attempt fallsinto area 110 of FIG. 1). If the primary filter criteria are met, thetransaction may be allowed to be completed and the transaction dealtwith through conventional channels.

However, if the primary transaction authorization determination resultsin a negative determination, but the called party is otherwiseassociated with at least a minimum level customer quality, preferredembodiments of the present invention operate to determine in real-timeif BNA or similar billing information is available to facilitate thetelecommunication service provider associated with the calling party todirect bill the called party (e.g., the call attempt falls into area 120of FIG. 1). If this secondary transaction authorization determinationprovides an affirmative determination, the transaction may be allowed tobe completed and the transaction billed directly by thetelecommunication service provider. According to this embodiment, if acalled party is within a certain customer quality, and reliableinformation is available with respect to a billing name and address,where historically that transaction would have been blocked, thetransaction will be completed during the first attempt.

However, if the secondary transaction authorization determinationresults in a negative determination (e.g., the call attempt falls intoareas 130 or 140 of FIG. 1), preferred embodiments of the presentinvention operate in real-time to demonstrate a need for transactionservices to the called party. For example, a preferred embodiment of thepresent invention may implement a transaction interrupt technique whichallows a qualified transaction to be conducted, such as to allow a callto be completed for a limited period of time, such as less than 1minute, to allow the called party and calling party to converse,possibly at no charge to either party. The calling party may, duringthis call period, explain to the called party the situation andtherefore demonstrate a need for additional calling services.Alternatively, embodiments of the present invention may implement atransaction interrupt technique which allows the calling party to recorda message of limited duration, such as less than 1 minute, to allowdcall processing system to contact the called party and play the messageto demonstrate the need for calling services.

The present invention may provide instructions in association with theaforementioned qualified transaction for the called party to establish abusiness relationship with the service provider or other host to thetransaction, or otherwise provide information in order to prevent futuretransaction attempts from being blocked. For example, the called party,if otherwise associated with at least a minimum level customer quality,may provide BNA information to allow direct billing for such services.Additionally or alternatively, the called party may establish a prepaidaccount, such as by providing credit card information to a customer careagent or providing a check image via the Internet, to allow debiting forsuch services.

The aforementioned business relationships may facilitate the provisionof such services as telephone communications, whether to or by aparticular party or parties. For example, an account may be establishedto allow a particular prison inmate to place phone calls from the prisonfacility in which they are incarcerated. Additionally or alternatively,an account may be established to allow calls from a particular prisonfacility to be made to a particular party residing outside of the prisonfacility. Moreover, business relationships established and maintainedaccording to embodiments of the present invention may facilitate theprovision of services in addition to or in the alternative to telephonecommunications, such as to facilitate the purchase of goods, whether byor for a particular party or parties. For example, an account may beestablished to allow a particular prison inmate to purchase commissarygoods, preferably using a call processor adapted according to thepresent invention to order such goods, for their own use and/or fordelivery to others (perhaps even parties residing outside of the prisonfacility). Similarly, an account may be established to allow a partyresiding outside of a prison facility to purchase commissary goods,preferably using a call processor adapted according to the presentinvention to order such goods, for delivery to prisoners incarceratedwithin a particular prison facility.

The aforementioned interaction between the calling party and the callprocessor as well as the interaction between the called party and thecall processor may be under control of a human operator, or othercustomer service representative, placed in communication with one ormore of these parties. However, preferred embodiments of the inventionimplement IVR technology to automate such interaction. Accordingly,embodiments of the present invention may provide a substantially“no-touch” administration free, secure, transaction processing systemproviding account establishment and maintenance.

It should be appreciated that, although embodiments have been describedabove with reference to transaction authorization determinations andtransaction interrupts made with respect to initial call attempts, theconcepts of the present invention are applicable to other transactionsituations as well. For example, although a particular call may becompleted based upon a particular transaction authorizationdetermination, aspects of the present invention may be implemented inresponse to detecting fraud activity or other undesired behavior. Withrespect to prison facility calling services, call behavior such asautomatic call forwarding and three-way calling with respect to acompleted call as well as high call velocity (a relatively large numberof calls in a short period of time) with respect to a particular calledparty are highly indicative of resulting bad debt. Accordingly, atransaction interrupt technique may be implemented in which calls inprocess may be released with respect to one party to the call, such asthe calling party, keeping a link to the other party to the call tooffer an appropriate product to them, such as a prepaid account, toallow further calling services.

The interrupt techniques provided herein may be employed to initiallyestablish an account for a resident of a controlled-environmentfacility, such as a prison, and/or to conduct maintenance on an account(e.g., fund the account), and/or to offer an alternative account (e.g.,a pre-paid account may be offered, and the host may offer a promotionaldiscount for establishing such a prepaid account). The interrupttechniques provided herein may be employed at any time for interruptinga transaction to communicate information to a resident and/or payor(e.g., regarding establishing an account, funding or otherwisemaintaining an existing account, providing promotional details and/oralternative account options that are available, etc.).

As described further herein, various triggers may be defined forinvoking an interrupt message. For instance, logic may be employed, suchas the below-described transaction processor 210 and/or transactionvalidation engine 220 (see FIG. 2), which may be operable to monitortransactions and determine when a transaction should be interrupted. Incertain embodiments, a system administrator may define triggers, and themonitoring logic determines whether one or more triggers are satisfiedfor a given transaction, wherein if a trigger is satisfied then thetransaction is interrupted and a corresponding interrupt message isgenerated. For example, a trigger may specify that a transaction is tobe interrupted if the transaction is billed to an established prepaidaccount and such prepaid account's balance is below a threshold amount,wherein a corresponding interrupt message may be used to inform a party(e.g., payor) of the account's balance and/or invite the party to fundthe account. As another example, a trigger may specify that atransaction is to be interrupted if a party to the transaction has aquality score that has improved above a threshold amount so as toqualify for an alternative account type, wherein the correspondinginterrupt message may inform the party of the alternative account typethat is available and/or invite the party to establish/utilize suchalternative account type. A system administrator may define any numberof triggers and corresponding interrupt messages to be invoked when atrigger is satisfied.

Directing attention to FIG. 2, a system adapted according to a preferredembodiment of the present invention is shown as transaction system 200.Shown in transaction system 200 are originating party stations 211 andend party station 240, such as may comprise any number of communicationdevices such as telephones, cellular telephones, facsimile machines,computers, personal digital assistants (PDAs), etcetera. It should beappreciated that the designations “originating party station” and “endparty station” as used herein are for convenience and are not intendedto set forth any limitations with respect to which stations may beutilized in initiating or otherwise conducting transactions according tothe present invention.

As an example of transactions that may be provided according to thepresent invention, parties at originating party stations 211 may bedesirous of communicating with a party at end party station 240 byplacing a collect call. Additionally or alternatively, a party atoriginating party stations 211 may be desirous of obtaining a commissaryitem using commissary system 250, where such a commissary item may befor delivery to and use by the party at station 211 making an order,another party associated with originating party stations 211, or a partyassociated with end party station 240. Similarly, a party at end partystation 240 may be desirous of obtaining a commissary item usingcommissary system 250, where such a commissary item may be for deliveryand use by the party at station 240 or a party associated withoriginating party stations 211. As still a further example, a party at240 may be desirous of leaving a message (in message system 280) for aresident of a controlled-environment facility, and such a resident maybe desirous of obtaining such message from the message system (e.g., byreceiving a recorded message from system 280 via station 211). When aparty using station 240 is interacting with message system 280 forleaving a message, such a transaction may be interrupted in accordancewith embodiments of the present invention. For instance, if the party isidentified as a payor that funds a prepaid account having a balancebelow a threshold amount, the transaction may be interrupted to informthe party of the balance and/or to provide an opportunity for the partyto fund the account. Similarly, if the resident for which the party isleaving a message is identified as having an associated prepaid accountwith a balance below a threshold amount, the transaction may be likewiseinterrupted. Further, when a resident using station 211 is interactingwith message system 280 for retrieving a message, such a transaction maybe interrupted in accordance with embodiments of the present invention.

Although calling services and the purchase and delivery of commissaryitems are specifically set forth above, it should be appreciated thattransaction systems adapted according to the present invention are notlimited to any particular goods and/or services. For example, aplurality of goods and services providers may be included with respectto a particular transaction system, such as florists and pharmacists,where a transaction system is deployed with respect to a hospital ormedical facility, or restaurants and media providers (e.g., cabletelevision, pay-per-view, Internet service providers, etcetera), where atransaction system is deployed with respect to a hotel or apartmentfacility.

Originating party stations 211 of the illustrated embodiment are coupledto the public switched telephone network (PSTN) 201 via transactionprocessor 210, which preferably arbitrates completion of transactionattempts in accordance with operation of embodiments of the presentinvention. For example, transaction processor 210 may comprise callprocessing apparatus disposed at a calling party location, such as at aprison facility, such as shown and described in the above referencedpatent application entitled “Information Management and Movement Systemand Method”. Of course, there is no requirement according to the presentinvention that a call processor be disposed as shown in FIG. 2. Forexample, rather than being disposed between a calling party and thePSTN, a call processor utilized according to the present invention maybe coupled to a calling party via the PSTN, such as in an enhancedcalling service configuration, if desired. Moreover, various of thefunctional aspects attributed to transaction processor 210 according toembodiments described herein may be provided by systems externalthereto, such as commissary system 250, transaction validation engine220, customer service center 230, and/or message system 280, if desired.

Although communication via the PSTN is shown in the illustratedembodiment, it should be appreciated that there is no limitation withrespect to use of the PSTN according to the present invention.Accordingly, network 201 providing communication between parties and/orsystems in accordance with the present invention may comprise any numberof communication networks, such as a local area network (LAN), ametropolitan area network (MAN), a wide area network (WAN), a cabletransmission system, the Internet, and/or combinations thereof. Forexample, voice communication may be provided via the PSTN while datacommunication is provided via the Internet. Of course, voicecommunication may be provided via networks other than the PSTN, such asby using voice over internet protocols (VoIP). Similarly, datacommunication may be provided using the PSTN and/or other networks, asdesired.

Commissary system 250, transaction validation engine 220, customerservice center 230, and message system 280 of the illustrated embodimentare coupled to transaction processor 210 via PSTN 201 to providetransaction authorization determinations and/or transaction processingsupport with respect to operation of transaction processor 210. Ofcourse, there is no requirement according to the present invention thata transaction validation engine and/or customer service center bedisposed as shown in FIG. 2. For example, any one or more of commissarysystem 250, transaction processor 210, transaction validation engine220, customer service center 230, message system 280, and/or aspectsthereof may be combined at a common location. Accordingly, various ofthe functional aspects attributed to any of commissary system 250,transaction processor 210, transaction validation engine 220, customerservice center 230, and/or message system 280 according to embodimentsdescribed herein may be provided various ones of the systems oftransaction system 200, if desired. Additionally or alternatively,various embodiments of the present invention may omit one or more ofthese aspects.

Transaction validation engine 220 of the illustrated embodiment includesprimary authorization filter 224, secondary authorization filter 225,and transaction service need demonstrator 226, as may be implemented ina hierarchical transaction authorization determination techniqueaccording to preferred embodiments of the present invention.Additionally, transaction validation engine 220 of the illustratedembodiment includes account maintenance/modification system 260 as maybe utilized in maintaining and/or changing accounts according to thepresent invention. Transaction database 221 may be utilized to storeinformation with respect to particular transactions, accounts, and/orparties to transactions. LEC billing system 223 may be utilized inestablishing, maintaining, and/or servicing accounts which are billedthrough a third party, such as a LEC. Customer quality identifier 228may be utilized in determining a quality metric with respect to a partyto a transaction. BNA system 222 may be utilized to identify, obtain,and/or store billing information. Direct billing system 227 may beutilized in establishing, maintaining, and/or servicing accounts whichare directly billed. Prepaid accounting system 229 may be utilized inestablishing, maintaining, and/or servicing accounts which are prepaid.The operation of these functional aspects of transaction validationengine 220 according to embodiments of the present invention aredescribed in further detail herein below.

According to embodiments of the present invention, transaction processor210 recognizes an attempted transaction to be managed according to thepresent invention and communicates with transaction validation engine220. Accordingly, transaction processor 210 may contain logic tointeract with a party at originating party stations 211 and/or end partystation 240 to obtain transaction information or may recognizeinitiation of a transaction and provide a communication conduit betweena party at originating party stations 211 and/or end party transactionstation 240 to transaction validation engine 220 for transactionprocessing according to the present invention. Transaction engine 220may operate to authorize, control, and/or facilitate transactionsassociated with transaction processor 210, such as by establishingaccounts, managing previously established accounts, providingtransaction validation determinations, and/or accounting and billing fortransaction services. Transaction engine 220 may interact with othersystems or parties, such as commissary system 250, database 270,customer service center 230, message system 280, and/or end partystation 240, in providing the aforementioned authorization, control,and/or facilitation of transactions. Transaction validation engine 220may interact with, or include, an IVR unit to solicit information fromone or more party to a transaction. Such interaction with parties to thetransaction may be via separate communication to the parties by systemsof transaction system 200 or may be provided by “conferencing-in”systems of transaction system 200 to communications between the parties.Various systems of transaction system 200 may transfer communicationlinks between one or both parties to a transaction to various systems inorder to provide transaction processing as described herein.

Directing attention to FIGS. 3A and 3B, a flow diagram of operation ofsystem 200 according to a preferred embodiment of the present inventionis shown. Specifically, at box 301 a call attempt is made by a party atone of originating party stations 211 with transaction processor 210arbitrating the call attempt and attempting validation before completingthe call. Accordingly, transaction processor 210 may communicate withtransaction validation engine 220 via PSTN 201. Information with respectto the call attempt, such as the location of the call, the callednumber, identification of the calling party, and/or the like, may beprovided to primary authorization filter 224 of transaction validationengine 220. Primary authorization filter 224 may operate to make aprimary transaction authorization determination substantially asdescribed above. For example, primary authorization filter 224 mayaccess call database 221 to determine if the called party or callingparty has a negative data associated therewith (such as history ofnonpayment, excessive call velocity, indications of fraudulent activityor other undesired behavior, refusal to accept collect charges, requestto have calls blocked, and/or the like) or positive data associatedtherewith (such as a prepaid account, credit card information, and/orthe like) for a determination of whether the attempted call should becompleted. Additionally or alternatively, primary authorization filter224 may cause transaction validation engine 220 to issue a query to LIDB270 for a determination of whether the attempted call should becompleted. For example, a query to LIDB 270 may provide an OCN of thetelecommunication service provider associated with end party station240. This OCN may be compared to a list of OCNs having billingagreements with the telecommunication service provider associated withtransaction processor 210.

At box 302 a determination is made as to whether the call should bedenied, i.e., the criteria analyzed by primary authorization filter 224results in a negative determination. If it is determined that the callshould not be denied processing proceeds to box 303 wherein the call ispermitted to be completed, e.g., originating party station 211 iscoupled to end party station 240 via transaction processor 210 and PSTN201, and the calling services are billed according to criteriadetermined by primary authorization filter 224. For example, iftraditional collect calling is permitted to the called party station,LEC billing system 223 may be invoked. Alternatively, if it wasdetermined that a prepaid account is to be used or that a direct billingarrangement has been previously established with respect to the calledor calling party, such as by reference to call database 221, prepaidaccounting system 229 or direct billing system 227, respectively, may beinvoked. Thereafter, further call authorization determination processingmay terminate at box 304.

If, however, it is determined that the call should be denied at box 302,the illustrated embodiment of the present invention proceeds to box 305for a determination as to whether a secondary transaction authorizationdetermination is to be made. There may be a number of factors whichdetermine whether or not the secondary transaction authorizationdetermination is to be made, such as whether corresponding logic isincorporated into the particular transaction processor associated withthe call attempt, whether particular information (such as called partyBNA information) is available, a quality metric associated with thecalled and/or calling party, the gross margin or revenue potential ofthe calling service, etcetera.

If it is determined that a secondary transaction authorizationdetermination should be performed, processing according to theillustrated embodiment proceeds to box 306 for a secondary transactionauthorization determination using secondary authorization filter 225.Secondary authorization filter 225 may operate to make a secondarytransaction authorization determination substantially as describedabove. For example, secondary authorization filter 225 may utilizeinformation provided by customer quality identifier 228 to determine ifthe called party or calling party meets a minimum risk criteria forproviding direct billed collect calling. Additionally or alternatively,secondary authorization filter 225 may utilize information provided byBNA system 222 to determine if suitable billing information with respectto the called party is available for providing direct billed collectcalling.

If, at box 306, it is determined that the call should not be denied,processing proceeds to box 307 wherein the call is permitted to becompleted, e.g., originating party station 211 is coupled to end partystation 240 via transaction processor 210 and PSTN 201, and the callingservices are billed according to criteria determined by secondaryauthorization filter 225. For example, if it was determined thatsufficient BNA information is available with respect to the calledparty, direct billing system 227 may be invoked. Thereafter, furthercall authorization determination processing may terminate. However,preferred embodiments of the present invention provide additional callauthorization determination, such as to rescore the customer qualitymetric based upon later acquired information and/or more thoroughanalysis at box 308. For example, the real-time determination of acustomer quality metric utilized in processing an initial call attemptmay have been based upon a limited set of data available in thecircumstances. To limit exposure to credit risk, subsequent qualitymetric analysis may be performed with respect to a particular party,such as may be made in the background during the call between thecalling and called party, and the determination to allow services usingsecondary billing techniques may be reconsidered (box 309). If it isdetermined that calls based upon the secondary validation criteriashould continue to be allowed, processing according to the illustratedembodiment proceeds to box 310. However, if it is determined that callsbased upon the secondary validation criteria should not continue to beallowed, processing continues to box 311.

At box 311 a determination is made as to whether transaction system 200supports operation of a transaction service need demonstrator of anembodiment of the present invention. For example, corresponding logicmay not be present in transaction processor 210, transaction validationengine 220 may not have transaction service need demonstrator 226associated therewith, customer service center 230 may not be includedwith respect to a particular embodiment, etcetera. If transaction system200 does support operation of a transaction service need demonstrator,processing according to the illustrated embodiment proceeds to box 319,as is described in detail below. If, however, transaction system 200does not support operation of a transaction service need demonstrator,processing according to the illustrated embodiment proceeds to box 312wherein the connection between the calling and called parties isterminated in favor of post transaction processing. For example, amessage may be played to the called party to provide information as tohow to contact customer service center 230 to facilitate future callingservices. Alternatively, customer service center 230 may be coupled toend party station 240 for facilitating future calling services. Postcall processing techniques useful according to the present invention areshown and described in the above referenced patent application entitled“Systems and Methods for Offering a Service to a Party Associated with aBlocked Call.”

If, at box 305, it is determined that a secondary transactionauthorization determination should not be performed or if, at box 306,it is determined that a particular call attempt does not qualify forsecondary transaction authorization, processing according to theillustrated embodiment proceeds to box 314 for demonstration of the needfor transaction services to the called party using transaction serviceneed demonstrator 226. Transaction service need demonstrator 226 mayoperate to demonstrate the need for calling services to a called partysubstantially as described above. For example, transaction service needdemonstrator 226 may allow limited communication between the called andcalling parties to allow the called party to identify who is calling, toallow the calling party to explain the situation requiring callingservices, etcetera.

At box 314 a determination is made as to whether a transaction serviceneed demonstration is to be made. There may be a number of factors whichdetermine whether or not the transaction service need demonstration isto be made, such as whether corresponding logic is incorporated into theparticular transaction processor associated with the call attempt, thecall validation engine may not have transaction service needdemonstrator logic operable with respect thereto, a customer servicecenter may not be included with respect to a particular embodiment,etcetera. If a transaction service need demonstration is not to be made,processing according to the illustrated embodiment proceeds to box 315wherein the call attempt is denied and post transaction processing isperformed. For example, a message may be played to the called party toprovide information as to how to contact customer service center 230 tofacilitate future calling services. Alternatively, customer servicecenter 230 may be coupled to end party station 240 for facilitatingfuture calling services.

However, if it is determined, at box 314, that a transaction serviceneed demonstration is to be made, processing according to theillustrated embodiment proceeds to box 316. At box 316 the attemptedcall is allowed to be placed to the called party and a determination ismade with as to whether end party station 240 is answered. If the callto end party station 240 goes unanswered, then processing according tothe illustrated embodiment proceeds to box 317 wherein the call isterminated. It should be appreciated that termination at step 317 mayinvoke post transaction processing, such as that described above withrespect to box 315, if desired.

If, at box 316, it is determined that end party station 240 has beenappropriately answered (e.g., end party station 240 goes off hook, aparticular identified individual or individual meeting a requirementsuch as age or competency answers end party station 240, and/or thelike), processing preferably proceeds to box 318 wherein a conversationbetween the called and calling parties is allowed for a limited time.For example, a courtesy call (i.e., neither the called nor the callingparty are charged for the calling service) lasting on the order of 40-50seconds may be allowed, perhaps preceded and/or followed by anannouncement as to the fact that the call is a courtesy call andproviding instructions as to how future calls may be facilitated (e.g.,through establishment of a prepaid account, etc.). Alternatively, amessage may be recorded from the calling party for replay to the calledparty, or a one-way communication link established from the callingparty to the called party, to allow the calling party to communicate aneed for calling services and/or for the called party to identify thecalling party, without establishing two-way communication between thecalling and called parties. Preferred embodiments of the presentinvention limit such courtesy calls or communications to approximately40 seconds to keep the telecommunication costs associated therewithunder one minute, which is typically the billing increment, and becauseexperimentation has shown that this length of communication providessufficient time for the parties to establish that a need forcommunication services exists but insufficient time to exhaustadditional demand for service. It should be recognized that theabove-mentioned courtesy calls may be allowed upon an initial call(e.g., made by a new resident of a controlled-environment facility), orupon a later call in which an account exists but insufficient funds areavailable in the account, as examples.

At box 319 a determination is made as to whether the called party hasresponded to the call demonstrating a need for calling services. Forexample, prior to being disconnected, the called party may be instructedto speak or dial a response indicating they would like to facilitatefuture calling services and thereafter connected to an IVR or live agentfor further processing. Alternatively, the called party may be given acontact number (e.g., telephone number and/or e-mail address) of acustomer service center to contact in order to facilitate future callingservices. If, at box 319, it is determined that the called party has notresponded to the call demonstrating a need for calling services,processing according to the illustrated embodiment proceeds to box 320wherein future call attempts to the called party number are blocked. Forexample, call database 221 may be updated to reflect that transactionvalidation engine 220 should deny future call attempts.

However, if it is determined at box 319 that the called party hasresponded to the call demonstrating a need for calling services,processing preferably proceeds to box 321 were the called party isplaced in communication with customer service center 230 to facilitatefuture calling services, e.g., establishment of an account andidentification of the transactions and/or parties for which the accountis to be utilized. It should be appreciated that customer service center230 may comprise an automated system, such as an IVR unit, and/or liveoperators to interact with a party in facilitating calling servicesaccording to the present invention.

At box 321, customer service center 230 may attempt to establish aprepaid account for providing future services, such as calling services,purchase of commissary items, etcetera. For example, deposit of funds toa cooperating field office, such as a Western Union office etcetera, maybe solicited. Additionally or alternatively, credit card information maybe taken to provide for guaranteed payment of services. It should beappreciated that such prepaid accounts may be associated with aparticular calling party, a particular called party, or combinationsthereof, irrespective of the party establishing the prepaid account, asauthorized by the party establishing the prepaid account. Additionallyor alternatively, the prepaid account may be utilized to facilitatetransactions other than the aforementioned calling services. Forexample, a prepaid account of the present invention may be utilized withrespect to commissary transactions by an inmate in a prison facility. Incertain embodiments, the called party may be offered or required (e.g.,based on the called party's quality score) to have services billed to anon-telephony utility of the called party's residence, such as describedfurther in concurrently filed and commonly assigned U.S. patentapplication Ser. No. 11/386,056 titled “MANAGEMENT OF PROVISION OFSERVICES BASED AT LEAST IN PART ON INFORMATION ABOUT A PAYOR'S UTILITY”,the disclosure of which is hereby incorporated herein by reference.Thus, in certain embodiments, an “account type” may comprise a billingarrangement in which a payor is billed for a transaction via a utility(e.g., electric, gas, water, etc.) of the payor's residence.

At box 322 it is determined if solicitation of account prepayment hasbeen successful. If so, appropriate accounts are established, such as inprepaid accounting system 229, and/or database records, such as withincall database 221, are updated to reflect the prepaid status.

However, if it is determined at box 322 that solicitation of accountprepayment has not been successful, processing according to theillustrated embodiment proceeds to box 324 wherein a customer qualitydetermination is made. If it is determined that the party falls below aparticular minimum level of customer quality, processing according tothe illustrated embodiment proceeds to box 325 wherein future callattempts to the called party number are blocked. For example, calldatabase 221 may be updated to reflect that transaction validationengine 220 should deny future call attempts.

However, if it is determined at box 324 that the party meets aparticular minimum level of customer quality, processing according tothe illustrated embodiment proceeds to box 326 wherein a determinationis made as to whether BNA or similar information is available or may beobtained from the party. If it is determined that no BNA or similarinformation is available or may be obtained from the party, processingaccording to the illustrated embodiment proceeds to box 327 whereinfuture call attempts to the called party number are blocked. Forexample, call database 221 may be updated to reflect that transactionvalidation engine 220 should deny future call attempts.

However, if it is determined at box 326 that BNA or similar informationis available or may be obtained from the party, processing preferablyproceeds to box 328 wherein a business relationship using secondarybilling techniques, such using direct billing system 227, isestablished.

It should be appreciated that the steps of the above described flowdiagram may be implemented with respect to a number of transactionprocessor configurations. For example, by falling back to posttransaction processing where logic complementary to that of transactionvalidation engine 220 is not present in transaction processor 210, suchas where transaction processor 210 comprises a class 5 switch, a class 4switch, a central office switch, a pay telephone, an alternative inmateprovider's call processor or the like, transaction validation engine 220of the preferred embodiment is provided flexibility to providetransaction authorization processing with respect to a wide variety oftransaction systems. Accordingly, transaction validation engine 220and/or other systems of transaction system 200, such as customer servicecenter 230, may provide a centralized platform for processingtransactions. Moreover, by properly configuring transaction validationengine 220 and/or the other systems of transaction system 200 formingsuch a centralized platform, a transaction processor agnostic system maybe implemented in which any number of transaction processorconfigurations may be accommodated.

Although the flow diagram above has been described with respect toinitiating a transaction and establishing an account for a party to thetransaction, it should be appreciated that embodiments of the presentinvention provide transaction processing implementing operations asdescribed above in performing various transaction initiation,maintenance, and facilitation functional aspects. For example,transaction interrupt messaging and/or interaction as described abovemay be implemented with respect to a party to a transaction to provideinformation to the party with respect to a transaction or accountstatus, such as a transaction limit, such as an account limit, atransaction velocity limit, etcetera, is being reached. Additionally oralternatively, transaction interrupt messaging and/or interaction may beimplemented upon detection of undesired behavior, such as a party to thetransaction performing an unpermitted act or attempting an activityindicative of fraudulent behavior. Accordingly, a transaction, such as acall, may be preceded, followed, and/or interrupted by a messageregarding transaction and/or account status, perhaps invokinginteraction with the party to replenish an account balance, establish anew business relationship with the service provider or other host to thetransaction, and/or the like.

Directing attention to FIG. 4, a block diagram of transaction system 400operable according to an embodiment of the present invention is shown.As illustrated in FIG. 4, a call request or other transaction request isinitiated at box 410, such as may be initiated at transaction processor210 by originating party stations 211 or end party station 250.Thereafter, box 420 provides transaction analysis with respect to therequest, preferably utilizing transaction filtering such as may compriseauthorization filters 224 and/or 225 and as may utilize variousintelligence and information. Processing according to box 420 of theillustrated embodiment provides a transaction service product targetingdecision based upon the quality of one or more parties to thetransaction and the means by which charges may be rendered to them,e.g., post pay third party billing, post pay direct bill, or prepaid. Ifthe available information and/or a quality metric indicates thetransaction should otherwise be blocked or that interaction with one ormore of the parties to the transaction is needed, box 420 may determinethat transaction interruption for such interaction is desirable. Box 430provides for transaction enablement according to the targeting decisionof box 420. Accordingly, transaction interruption and customerinteraction may be implemented at box 430, such as may includesoliciting information and/or payment from a party, invoking transactionservice need demonstrator 226, utilizing customer service center 230,etcetera, according to the targeting decision of box 420 in order tofacilitate the transaction. Likewise, post pay processes, perhapsincluding intelligent bill queuing for administrative efficiency andrevenue optimization, or direct bill and prepay processes, such as maybe invoked for existing account situations or where sufficientinformation is available to establish such accounts, may be implementedat box 430 according to the targeting decision of box 420. Box 440provides transaction processing, wherein various transactions may beprocessed as desired by customers with payment for the transactionsand/or transaction services being accounted for by payment systemintelligence in cooperation with appropriate billing systems, e.g., LECbilling system 223, direct billing system 227, and prepaid accountingsystem 229.

According to embodiment illustrated in FIG. 4, parties to thetransactions may continue to be rescored, e.g., during a particulartransaction and/or subsequent to completing a transaction, to update thetargeting decision. For example, an initial targeting decision made inbox 420 may be changed based upon subsequent rescoring and/orinteraction at box 450.

It should be appreciated that embodiments of the present invention asdescribed above provide a “no-touch transaction process” in whichaccounts may be established and managed, and transactions may beauthorized and revenues optimized, without human intervention on behalfof the service provider or other host to the transaction. Additionally,such functionality is provided in real-time to thereby provide superiorservice to the parties utilizing the system.

Having described features and functionality of preferred embodimentcommissary systems, transaction processors, transaction validationengines, and customer service centers herein, it should be readilyappreciated that such features and functionality may be implemented ascode operable upon processor-based systems. Accordingly, embodiments ofany or all of commissary system 250, transaction processor 210,transaction validation engine 220, message system 280, and customerservice center 230 may comprise a central processing unit (CPU), havingmemory associated therewith, such as random access memory (RAM), readonly memory (ROM), disk memory, and/or the like, storing instructionsets to control operation as described herein. For example, transactionvalidation engine 220 of an embodiment of the present invention may beimplemented upon a general purpose computer system platform, such as acomputer system based upon the Intel PENTIUM family of processors as arewell known in the art.

FIG. 5 shows an exemplary block diagram of a system according to oneembodiment of the present invention. In this example, a resident 501 ofa controlled-environment facility conducts a transaction by interactingwith transaction processor 210. For instance, resident 501 may use astation 211 (e.g., telephone) to call another party, such as calledparty 502, as described above with FIG. 2. In this example, a pre-funded(or “prepaid”) account 503 has been established for resident 501 againstwhich a host of the transaction can bill for charges associated withhosting the transaction. Transaction validation engine 220 is againprovided, which may monitor transactions and determine whether tointerrupt a transaction, as described further below.

In operational block 51, transaction validation engine 220 determineswhether a pre-funded payment account exists for a transaction. If such apre-funded account does not exist, operation advances to block 52whereat the transaction validation engine 220 determines whether tointerrupt the transaction to establish a pre-funded account. Forinstance, based on the quality score of the called party 502, thetransaction may be permitted to proceed without a pre-funded accountfirst being established, such as by permitting a collect call, etc. Ifdetermined in block 52 not to interrupt the transaction, operationadvances to block 53 whereat the transaction validation engine 220 mayeither block the transaction or authorize the transaction withoutrequiring that a pre-funded account be established (e.g., based on theparty(ies) quality score(s)).

If determined in block 52 that the transaction is to be interrupted toestablish a pre-funded account, operation advances to block 54 whereattransaction validation engine 220 interrupts the transaction andpresents the called party 502 with an option to establish a pre-fundedaccount, such as pre-funded account 503. If/when such a pre-fundedaccount is established, the transaction may be resumed and/or a futuretransaction may be permitted and charged against the pre-funded account.

If determined in block 51 that a pre-funded payment account exists, aswith pre-funded payment account 503 in this example, operation advancesto block 55. In block 55, a determination is made regarding whether thepre-funded account 503 is in need of funding. That is, a determinationis made as to whether the account's balance is below a threshold amount.If the account is in need of funding, operation advances to block 56,wherein the transaction is interrupted and the called party 502 ispresented with an option to fund the account. Of course, if the calledparty is not the payor responsible for funding the account, thetransaction validation engine 220 may, in certain embodiments, interruptthe transaction and call the payor (i.e., another party that isspecified as responsible for funding the account) in attempt to requestfunding of the account in addition to or instead of providing calledparty 502 an option to fund the account.

If the account is determined in block 55 as not in need of funding oronce it is funded in block 56, operation advances to block 57 wheretransaction validation engine 220 determines whether an alternativeaccount and/or promotion is available for the party(ies) to thistransaction. For instance, the party(ies) quality scores may haveimproved to a level at which a promotion (e.g., discounted rate) isavailable and/or at which an alternative account, such as alternativeaccounts 504 and 505, is available. Alternatively, the party(ies)quality scores may have declined to a level at which an alternativeaccount is required by transaction validation engine. Transactionvalidation engine 220 may determine whether to offer an alternativeaccount and/or promotion based upon any criteria established by a systemadministrator, and such criteria need not be based solely or at all onthe party(ies) quality scores. In certain instances, for example,transaction validation engine 220 may interrupt a transaction to notifythe party(ies) that the parties may receive a discounted rate for futuretransactions if they establish an alternative account, such as byestablishing a prepaid account if one is not already in place or byestablishing an account in which charges for transactions are billed toa utility of the party's residence.

If determined in block 57 that an alternative account and/or promotionis available, operation advances to block 58 whereat transactionvalidation engine 220 interrupts the transaction and presents the calledparty 502 (and/or resident 501) with an option to open an alternativeaccount and/or receive an available promotion. Of course, if the calledparty is not the payor responsible for payment for transactions (e.g.,if another party is designated as a responsible payor for transactionsfor resident 501), the transaction validation engine 220 may, in certainembodiments, interrupt the transaction and call the responsible payor inattempt to provide the payor with an option to open an alternativeaccount and/or receive an available promotion.

Turning to FIG. 6 an exemplary operational flow diagram of oneembodiment of the present invention is shown. In block 601, transactionvalidation engine 220 determines whether a requested transaction isauthorized. Such determination may be based at least in part on aquality score of party(ies) to the transaction, a balance available in aprepaid account, and/or other criteria, as examples. If the transactionis authorized, the transaction validation engine permits the transactionin block 602.

If the transaction is not authorized, operation advances to block 603where the transaction validation engine 220 determines whether to permitthe transaction for a threshold duration of time. For instance, asdescribed above, certain embodiments permit an unauthorized transactionto be conducted for a limited period of time before interrupting thetransaction to, for instance, establish a prepaid account for continuingthe transaction. As an example, upon a new inmate in prison placing afirst telephone call, the call may be permitted (even though it isunauthorized because, for instance, an unacceptably low quality scoredetermined for the caller and/or called party) for a limited period oftime. This allows the new inmate a limited period to inform the callerof the inmate's incarceration before the transaction is interrupted forprompting the called party to, for example, establish a prepaid account.As another example, upon a resident that has a prepaid account with aninsufficiently low balance initiating a transaction, the transaction maybe permitted for a limited duration of time (even though it isunauthorized because, for instance, insufficient funds exist in theaccount for the transaction). This allows the resident to speak brieflywith the called party before the transaction is interrupted forprompting the called party to, for example, fund the prepaid account.This may encourage the called party to fund the prepaid account, whereasif the transaction were not permitted at all because of the lowremaining balance, the host of the transaction may forego this possiblerevenue. Of course, if the resident has previously attempted atransaction with the low account balance (without an intervening fundingof the account), transaction validation engine 220 may deny the limitedduration transaction in block 603 (so that the resident cannotrepeatedly receive short transactions that are unauthorized), whereinoperation advances to block 604 where transaction validation engine 220takes some other action, such as blocking the transaction.

If determined in block 603 that a threshold duration transaction is tobe permitted, operation may, in certain embodiments, advance to block605 (shown in dashed lines as an optional operation for this example).In block 605, the transaction is interrupted and a message is providedto the parties that the transaction will be permitted for a thresholdduration. In this way, the parties may be informed in advance that thetransaction is of limited duration. Accordingly, a newly incarceratedinmate to a prison, for instance, may know to make efficient use of theavailable time in order to quickly inform the called party of hisincarceration and request that the party establish a prepaid account forthe inmate.

In block 606, the transaction validation engine 220 then permits thetransaction (e.g., telephone call) for the threshold duration of time.In block 607, once the threshold duration of time has lapsed,transaction validation engine 220 interrupts the transaction. In block608, transaction validation engine 220 provides an option to at leastone party for establishing an account for continuing the interruptedtransaction and/or for use in future transactions. The party to whom theoption is provided may be a party to the interrupted transaction. Incertain embodiments, the party may be a different party, such as adesignated party that is responsible for payment for the residence'stransactions. For instance, the transaction validation engine 220 may,in certain embodiments, call a designated “payor” party (e.g., arelative of the resident) if the designated payor is not a party to theinterrupted transaction, to provide the designated payor the option ofoperational block 608.

Although preferred embodiments have been described herein with respectto calling systems, it should be appreciated that the concepts of thepresent invention are not so limited. Accordingly, embodiments of thepresent invention may be applied to a variety of transaction systems,such as commissary transaction systems.

Likewise, the present invention is not limited to use with respect toproviding for collect calls. For example, embodiments of the presentinvention may be applied to telecommunications transaction in the casualcalling market, such as with respect to 10-10 type 1 plus calling.Further, according to embodiments of the present invention, thetransaction processor 210, transaction validation engine 220, and/orother components of a system may be implemented and executed local to acontrolled-environment facility, or some or all of such components maybe implemented and executed remote from a controlled-environmentfacility (e.g., via a communication network coupling such remotecomponents to the controlled-environment facility).

According to certain embodiments, the account management system maydynamically switch a party from one type of account to another type ofaccount. For instance, friends and family members of a prisoner whichhave direct billing or LEC billing types for calls with the prisoner maybe switched to pre-pay billing in real-time. For instance, if funds areadded to a prepaid account for a prisoner, the account management systemmay dynamically change the account type for the prisoner from LEC/Directbilling to prepaid. The account type may then remain prepaid for as longas prepaid funds are available in the pre-established prepaid account.When the prepaid funds are depleted, the account management system maydynamically change the account type for the prisoner back to theoriginal account type (e.g., direct billing or LEC billing). If a callis in progress and the prepaid funds are depleted (i.e., the prepaidaccount balance reaches $0), the account management system may enablethe call to continue and apply the charges incurred after the depletionof the prepaid account to the original account type (e.g., direct billor LEC bill). Of course, the interrupt messaging techniques describedherein may be employed to inform the called and/or calling parties ofthe depletion of the prepaid account, and the parties may be provided anopportunity to fund the prepaid account if so desired.

Customer quality and scoring criteria may be considered by the accountmanagement system in dynamically deciding when to change the accounttype to employ for a prisoner (e.g., whether to require prepaid, orwhether to permit direct billing, LEC billing, or some other accounttype). However, if a customer (e.g., a called party) has a score thatqualifies for an account type other than prepaid, such customer may bepermitted to conduct a call with a prisoner via the account type forwhich he qualifies if a prepaid account is depleted. That is, in certainembodiments, if a prepaid account is established for a prisoner, theprepaid account is used for payment for calls even with parties whoqualify for another type of account, but if the prepaid account isdepleted, the call with such a qualifying party may be permitted by theaccount management system to continue with charges being billed viaanother type of account for which the party qualifies (e.g., directbilling, LEC billing, etc.).

In certain embodiments, interrupt messaging may be employed to offer theparties an option of which accounts to employ for services renderedduring a given transaction. For instance, if a prisoner has a prepaidaccount established and calls a party having a score that qualifies thecalled party for another type of account (e.g., direct billing), theaccount management system may generate an interrupt message to offer theprisoner or the called party an option of whether to utilize the prepaidaccount or another type of account for which the party qualifies. Thesystem may offer a discounted rate for utilization of the prepaidaccount, which may encourage the called party to utilize the prepaidaccount first, and once the prepaid account is depleted the chargesincurred thereafter, if any, may be charged to the other type of accountfor which the called party qualifies (e.g., direct billing).

Additionally, in certain embodiments, new residents (e.g., new inmatesor prisoners to a correctional facility) may be afforded a thresholdamount (e.g., $25) of “credit” that can be used for a transactionirrespective of the quality scoring of the party(ies) involved in atransaction. Thus, the account management system may authorizetransactions up to the threshold amount for a new resident irrespectiveof the quality scoring of the party(ies) involved. Of course, theinitial transaction may nevertheless be billed or otherwise steps may betaken in attempt to collect for such transaction, but a transaction thatwould not otherwise be permitted (e.g., without a pre-establishedprepaid account or other type of account being established) due to thelow quality scores of the parties involved may nevertheless be permittedup to the threshold amount. For instance, a new prisoner may bepermitted to place a collect call to a third party that has a lowquality score such that it account management system would typicallydeny the placement of the call; and the call may be permitted up to theinitial threshold amount (e.g., $25). Of course, the initial thresholdamount may not be a true “credit” or “gift” to the parties, but mayinstead be an “at-risk” amount. That is, the service provider mayattempt to collect for the transaction (e.g., by billing the calledparty for the collect call in this example), but the initial amount isconsidered “at-risk” because it likely will not be paid due to thecalled party's low quality score.

By setting such an initial threshold amount that can be initially usedeven in an “at-risk” manner (i.e., in a situation that would nototherwise be permitted due to low quality scores), the prisoner and/orcalled party may be afforded an opportunity to be introduced to theservices available (i.e., the telephony services provided by theprison's telephony service provider in this example). The initialthreshold amount limits the at-risk exposure of the service provider,while enabling an introduction of its services to the parties involvedin the transaction. For instance, the above-described interruptmessaging may be used to inform the parties of how to establish apre-paid account or other type of account (or “billing arrangement”)that may be permitted based, for example, on the party's quality scores.This may ultimately enable the service provider to recognize greaterrevenue than if the initial call were denied altogether.

Once the threshold amount is exceeded, the account management systemmay, depending on the quality score of the parties involved in thetransaction, interrupt the transaction and require an alternativeaccount be established (e.g., a prepaid account, etc.). On the otherhand, if the quality score of the parties involved in the transaction issufficiently high, the account management system may permit thetransaction to continue even beyond the depletion of the initialthreshold amount. In any case, the account management system may utilizethe above-described interrupt messaging to inform the parties of variousaccount alternatives that are available to them for future transactions,and in some instances may offer discounted rates or other incentives forcertain preferred types of accounts, such as prepaid accounts.

In certain embodiments, the above-mentioned initial threshold amount maybe variable depending on certain factors, such as the expected length ofresidency by the resident at the controlled-environment facility (e.g.,based on the expected length of incarceration of a prisoner). Forinstance, because a prisoner that is expected to be incarcerated for alonger period of time will remain visible to the service provider, agreater initial threshold amount may be afforded such prisoner, while aprisoner that is expected to be released quickly may be afforded a muchsmaller initial threshold amount (because the service provider willquickly lose any visibility and/or leverage over such prisoner).

Although the present invention and its advantages have been described indetail, it should be understood that various changes, substitutions andalterations can be made herein without departing from the spirit andscope of the invention as defined by the appended claims. Moreover, thescope of the present application is not intended to be limited to theparticular embodiments of the process, machine, manufacture, compositionof matter, means, methods and steps described in the specification. Asone of ordinary skill in the art will readily appreciate from thedisclosure of the present invention, processes, machines, manufacture,compositions of matter, means, methods, or steps, presently existing orlater to be developed that perform substantially the same function orachieve substantially the same result as the corresponding embodimentsdescribed herein may be utilized according to the present invention.Accordingly, the appended claims are intended to include within theirscope such processes, machines, manufacture, compositions of matter,means, methods, or steps.

1. A method comprising: identifying, at a call processor, initiation ofa call by a resident of a controlled-environment facility; completing,by the call processor, a call connection between the resident and acalled party; allowing the call connection to continue for a predefinedthreshold of time before interrupting the call; and interrupting saidcall, by an interactive voice response system, for interaction with atleast one of said resident and the called party, wherein saidinteraction comprises at least one of establishing an account forpayment for said transaction and funding an established account.
 2. Themethod of claim 1 wherein the controlled-environment facility comprisesa correctional facility.
 3. The method of claim 2 wherein thecorrectional facility comprises a prison.
 4. The method of claim 1wherein the interaction comprises: informing at least one of theresident and the called party of at least one type of account for whichthey qualify.
 5. The method of claim 1 wherein the interactioncomprises: informing at least one of the resident and the called partyof an incentive for establishing a preferred type of account.
 6. Themethod of claim 5 wherein the preferred type of account comprises aprepaid account.
 7. The method of claim 6 wherein the incentivecomprises a discounted rate for the transaction.
 8. A method comprising:establishing an account for a resident of a controlled-environmentfacility; identifying, at a call processor, initiation of a call by saidresident to a called party; completing, by the call processor, a callconnection between the resident and the called party; determining, at atransaction validation engine, whether to interrupt said call; allowingthe call to continue up to an initial threshold amount irrespective of aquality score of the called party; when determined to interrupt saidcall, interrupting said transaction by an interactive voice responsesystem and interacting with at least one of said resident and the calledparty, wherein said interacting comprises at least one of the following:requesting at least one of said resident and said called party to fundsaid account for said resident, and providing to at least one of saidresident and said called party an option to establish an alternativeaccount for said resident.
 9. The method of claim 8 wherein said initialthreshold amount is variable depending on an expected length ofresidency of said resident in said controlled environment facility. 10.The method of claim 8 wherein said determining is based at least in parton a type of said account.
 11. The method of claim 8 wherein saiddetermining is based at least in part on whether an alternative accountis available.
 12. The method of claim 8 wherein said determining isbased at least in part on a balance in said account.
 13. The method ofclaim 8 wherein said determining is based at least in part on whether atleast one of said resident and the called party qualifies for analternative account for paying for said transaction.
 14. A systemcomprising: a transaction processor communicatively coupled with atleast one of a resident of a controlled-environment facility and apayor, wherein said resident initiates a desired transaction via saidtransaction processor to a called party; and a transaction validationengine for interaction with said transaction processor in response toinitiation of said desired transaction, said transaction validationengine comprising: an account maintenance system for maintaining abusiness relationship between a host to said transaction and said payorwhen a current status indicates said business relationship needsmaintenance completing, the desired transaction between the resident andthe called party; wherein the transaction processor interrupts saiddesired transaction when said transaction validation engine determinesthat said account maintenance is needed, the transaction processorconducting the desired transaction for a predefined threshold of timebefore said interrupting or conducting the desired transaction up to aninitial threshold amount irrespective of a quality score of the payor.15. The system of claim 14 wherein said transaction processor interactswith said payor to provide information to said payor regarding theaccount maintenance needed.
 16. The system of claim 14 wherein saidtransaction processor interacts with said payor to provide said payor anoption for funding said account.
 17. The system of claim 14 wherein saidtransaction processor interacts with said payor to provide said payor anoption for establishing an alternative account.
 18. The system of claim14 wherein said maintenance needed for said business relationshipcomprises changing said business relationship.
 19. The system of claim14 wherein said account maintenance system comprises: an accountmodification system for changing said business relationship between saidhost to said transaction and said payor when a current situationindicates said business relationship currently in place should bechanged.
 20. The system of claim 14 wherein said transaction processorinterrupts said desired transaction when said transaction validationengine determines that said business relationship currently in placeshould be changed.
 21. The system of claim 14 wherein said transactionprocessor interacts with said payor to provide said payor with an optionof changing said business relationship.
 22. A method comprising:identifying, by a transaction processor, initiation of a transactionbetween a resident of a controlled-environment facility and anotherparty; determining, by a transaction validation engine, whether saidtransaction is authorized; and when determined that said transaction isnot authorized, permitting said transaction completing, by thetransaction processor, the transaction between the resident and anotherparty and for a threshold duration of time, and interrupting saidtransaction, by the transaction processor, for interaction with at leastone of said resident and said another party.
 23. The method of claim 22wherein said interaction comprises at least one of establishing anaccount for payment of services rendered to said resident and funding anestablished account.
 24. The method of claim 22 further comprising:determining whether to permit said transaction for said thresholdduration of time when determined that said transaction is notauthorized.
 25. The method of claim 24 wherein said determining whetherto permit said transaction for said threshold duration of time is basedat least in part on whether said resident has previously received for athreshold duration of time a transaction that was not authorized. 26.The method of claim 22 wherein the transaction comprises purchasing acommissary item by the resident.
 27. A method, comprising: receiving arequest related to a transaction attempt, the transaction attemptassociated with an originating party, an end party, and a requestedservice; determining, using a plurality of filters, if at least onemethod of billing is appropriate and available for charging at least oneparty for the requested service; performing at least one transactioninterrupt to attempt to implement a suitable method of billing if nosuitable method of billing has been implemented; implementing a suitablemethod of billing for both the purpose of providing the requestedservice during the transaction attempt and the purpose of providingservices during calls initiated on subsequent connections associatedwith at least one of said originating party and said end party; andproviding the requested service associated with the transaction attemptafter the suitable method of billing is implemented.
 28. The method ofclaim 27, wherein the transaction attempt is further associated with atleast one additional party.
 29. The method of claim 27, wherein at leastone of the methods of billing comprises a prepaid account associatedwith the originating party, a prepaid account associated with the endparty, a prepaid account associated with a third party, a direct billingaccount associated with the originating party, a direct billing accountassociated with the end party, a direct billing account associated witha third party, or a billing account associated with a carrier servingthe end party.
 30. The method of claim 27, wherein determining if atleast one method of billing is suitable for charging at least one partyfor the requested service comprises performing at least one transactionauthorization.
 31. The method of claim 30, wherein performing the atleast one transaction authorization comprises: performing a primarytransaction authorization; and performing a secondary transactionauthorization when the primary transaction authorization fails toauthorize the requested service.
 32. The method of claim 31, whereinperforming the primary transaction authorization comprises determiningif the requested service represents a collect call and the end party isserved by a carrier having no billing agreement with a service providerreceiving the request; and performing the secondary transactionauthorization comprises determining if the end party meets a minimalrisk threshold.
 33. The method of claim 31, wherein performing the atleast one transaction interrupt comprises delivering a message to theend party when at least one of the primary and secondary transactionauthorizations fails to authorize the requested service.
 34. The methodof claim 31, wherein performing the at least one transaction interruptcomprises at least one of: delivering a message to the end party andproviding the requested service for a limited amount of time, when atleast one of the primary and secondary transaction authorizations failsto authorize the requested service.
 35. The method of claim 34, whereinsaid at least one of delivering a message to the end party and providingthe requested service for a limited amount of time comprisesdemonstrating a need for the requested service.
 36. The method of claim31, wherein the requested service is provided if authorized by thesecondary transaction authorization, the secondary transactionauthorization performed using a limited set of data; and furthercomprising performing an additional transaction authorization usingadditional data collected as the requested service is being provided.37. The method of claim 34, further comprising: changing the method ofbilling implemented for the requested service based upon said additionaldata collected.
 38. The method of claim 27, further comprising providingthe requested service associated with the transaction attempt withoutperforming any transaction interrupts in response to determining that atleast one of the method of billing is suitable for charging at least oneof the parties for the requested service.
 39. The method of claim 27,wherein: receiving the request comprises receiving the request at afirst service provider network; and providing the requested servicecomprises providing the requested service through a second serviceprovider network.
 40. The method of claim 27, wherein said transactionattempt comprises attempting to establish communication between saidoriginating party and said end party.
 41. The method of claim 27,wherein said transaction attempt comprises attempting a commissarytransaction.